如果抵押贷款利率接近历史低点，你是否在考虑为你的房子再融资, you are not alone. In just the first nine months of 2020, more than 6 million homeowners refinanced, according to NerdWallet 1. 通过为房主节省数千美元或允许他们利用股权, 我们正经历如此大规模的再融资，这并不令人意外. Before you make the move, it is important to have a goal in mind, to compare your current terms with today’s rates, and to weigh out the costs and benefits.
The Nuts & Bolts
抵押贷款再融资是用不同的利率或条款取代现有贷款的过程，有时甚至是与不同的贷款人 2. The first step in refinancing a mortgage is to speak with a mortgage specialist，他们可以帮助你决定再融资是否适合你和你的财务状况. 专家将审查您目前的条款和利率，以帮助您锁定最适合您的财务背景和目标的利率.
比较你现有的利率和当前的利率将帮助你决定是否该为你的抵押贷款再融资. 如果你现在是房主，那么再融资会让你感觉似曾相识. When applying to refinance, you will need to qualify for your specific type of mortgage, secure an interest rate, and cover closing costs, as necessary. 在申请抵押贷款再融资之前，请务必考虑以下因素:
- Determining your financial goals. Our friendly mortgage specialists 能帮助你了解你的选择，给你知识，让你做出自信的决定吗.
- 货比三家，选择最适合自己财务状况的抵押贷款产品. Arbor Financial offers a variety of products and terms, including 7-, 10-, 12-, and 15-year terms, plus more*.
- Talking to a mortgage specialist for the best interest rates. Call us at 269.544.3105 or schedule an appointment.
- Securing your interest rate.
- Agreeing upon loan terms and finalizing your loan.
So, When & Why?
When considering whether to refinance your mortgage, 最重要的步骤之一是确定你再融资的目的. 有几个不同的理由为你的抵押贷款再融资，其中一些包括 4:
- Reduce monthly payments. 当你以较低的利率再融资或延长贷款期限时，这种情况就会发生.
- Shorten the loan term. 当你再融资到较短的期限时，你可以在更短的时间内还清贷款. For example, 从30年的抵押贷款再融资到15年的抵押贷款可以让你在一半的时间内还清贷款, also cutting down on interest owed.
- Tap into equity on your home. 这条路线有很多选择，这是一个很好的方式来获得资金用于家庭装修, help fund college tuition, cover unforeseen expenses, 让你和你的家人安心，因为你有一个应急基金来应对那些暴风雨的情况.:
- 套现再融资:一些人选择再融资以借入比他们当前抵押贷款所欠的更多的钱, that way the lender gives the borrower a check for the difference.
- 房屋净值信贷额度(HELOC):拥有房屋净值的房主可以将其用作循环信贷，并在使用抵押贷款时以其为抵押借款 HELOC. 当你需要以优惠的利率获得资金时，这可以派上用场.
- Switch from an adjustable- to a fixed-rate loan. Because interest rates fluctuate on adjustable-rate mortgages, you can end up owing more over the long run than desired. 固定利率贷款的利率保持不变，提供了金融稳定. Arbor Financial has a new, 15-year fixed special with great low rates*.
Deciding when to refinance your mortgage can seem difficult, but it does not have to be when you consider the right details. Some factors include 3:
- Current interest rates.
- Your credit score health.
- Your goals.
- The value of your home.
- The current economic climate.
根据这些因素是否比你最初购买房屋时更有利，将帮助你决定再融资是否是正确的举动.
See the Savings in Action
一旦你决定了再融资是否适合你，是时候看看这些数字了. Our Refinance Calculator 可以帮助消除一些猜测和确定多少再融资可以节省你. This easy-to-use calculator can give you an estimate for mortgage rates, monthly payments, and show readjusted total interest over the life of your loan.
你对抵押贷款再融资的需求会有所不同，但经验丰富且友好 mortgage specialist 从Arbor金融可以帮助指导您获得最出你的再融资住房贷款. Call us at 269.544.3105, apply online, or schedule an appointment to get started today, or visit selenaumbrella.net/quickquote to get a free, instant personalized mortgage quote.
*Annual Percentage Rate (APR). Special 2.137% APR is the lowest rate available and current as of 2/2/2021. Rate based on a $150,000 loan with no PMI. Payment example: 15-year special is 180 monthly payments of $964.57. Does not include taxes or insurance and your payment will be higher. 所列费率适用于自住独户主要独立住宅的再融资按揭. Rate may vary depending on credit history and underwriting factors. 计划、价格、条款和条件如有更改，恕不另行通知. Other restrictions may apply.
1. Lewis, H. (2021, Jan. 26). Mortgage Interest Rates Forecast. Nerdwallet. http://www.nerdwallet.com/article/mortgages/mortgage-interest-rates-forecast
2. Warren, K. (2020, October 13). What Is Mortgage Refinance? The Simple Dollar. http://www.thesimpledollar.com/mortgage/what-is-mortgage-refinance/
3. Lee, J. (2020, October 7). When to Refinance Your Mortgage. The Simple Dollar. http://www.thesimpledollar.com/mortgage/when-to-refinance-your-mortgage/
4. Bundrick, H. M., Lewis, H. (2020, December 18). How and Why to Refinance Your Mortgage. Nerdwallet. http://www.nerdwallet.com/article/mortgages/how-to-refinance-your-mortgage
